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Bank Hapoalim B.M., (POLI) Fair Value & Analysis

Financial Services · Il · Market cap 90.2B ILA

BH Bank Hapoalim B.M., POLI · TA
Price68.06 ILA
Fair Value97.31 ILA
Upside+43.0%
Quality64/100
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Evidence: High Range 72.99 ILA – 121.64 ILA

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 15 days ago

Share price +1.9% over the past month.

Price vs Fair Value (12 months)

80.85 ILA 57.06 ILA Fair Value 97.31 ILA Jun 2025 Jul 2026

12‑month range 57.06 ILA – 80.85 ILA · fair‑value band 72.99 ILA – 121.64 ILA · the 68.06 ILA price screens below the 97.31 ILA fair value. As of Jun 26, 2026.

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Analysis

Bank Hapoalim B.M., (POLI) currently trades at 68.06 ILA, while our model-based Fair Value estimate is 97.31 ILA — implying the stock looks roughly 43.0% undervalued today. We read business quality at 64/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, Bank Hapoalim B.M., generated revenue of 23.3B ILA at a net margin of 40.8%. Revenue grew 0.9% year over year. It earns a return on equity of 15.1%. Net debt stands at 120M ILA. Fundamentals as of Jun 26, 2026

Our scenario range runs from 72.99 ILA (bear case) to 121.64 ILA (bull case); at 68.06 ILA, the current price sits below that range. For context, the median of 10 Financial Services peers we cover trades at 20% fair-value upside — at 43%, POLI screens cheaper than that median.

Key figures & financial health

Revenue (TTM) 23.3B ILA
Revenue growth (YoY) +0.9%
Net margin 40.8%
Return on equity 15.1%
Free cash flow 17.5B ILA FY2025
P/E ratio 9.6
More key figures
Operating margin 63.1%
EPS (TTM) 7.21 ILA
Dividend yield 0.1%
EPS growth (YoY) -11.5%
Net debt 120M ILA FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial services in Israel, North America, Europe, and internationally. It operates through Households, Private Banking, Small Businesses and Microbusinesses, Mid-sized Businesses, Large Businesses, Institutional Entities, Financial Management, and Other segments. The company offers account-management services, lending for various purposes, deposits and savings plans, and capital-market services; housing loans; research and advisory services; and pension advisory and retirement planning services. It also provides products and services for the expansion of a business, advanced digital services, and a service center; credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, and securities. In addition, the company …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Bank Hapoalim B.M., reported revenue of 43.0B ILA in FY2025 versus 16.2B ILA in FY2021, a compound +27.6%/yr. Reported net income was 9.8B ILA in FY2025, compounding +18.8%/yr from FY2021.

Revenue +27.6%/yr
FY21 16.2B ILA
FY22 23.6B ILA
FY23 38.2B ILA
FY24 40.5B ILA
FY25 43.0B ILA
Net income +18.8%/yr
FY21 4.9B ILA
FY22 6.5B ILA
FY23 7.4B ILA
FY24 7.6B ILA
FY25 9.8B ILA

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Cite: Fair Value Calculator (2026). "Bank Hapoalim B.M., Fair Value". https://www.fairvalue-calculator.com/stock/POLI

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Frequently asked questions

Is Bank Hapoalim B.M., (POLI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 97.31 ILA versus a price of 68.06 ILA — about +43% (undervalued). Model-based estimate, not financial advice.
What is the fair value of POLI?
Our model-based fair value for Bank Hapoalim B.M., is 97.31 ILA (as of Jun 26, 2026), built from audited fundamentals. The current price is 68.06 ILA.
What is the quality score of POLI?
Bank Hapoalim B.M., has a Quality Score of 64/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Bank Hapoalim B.M., (POLI)?
Bank Hapoalim B.M., reported trailing-twelve-month revenue of about 23.3B ILS (latest available figure, as of Jun 26, 2026).
What is the net profit margin of POLI?
The net profit margin of Bank Hapoalim B.M., is about 40.8%, meaning it keeps roughly 40.8% of revenue as net income. Based on the latest reported figures.
Does Bank Hapoalim B.M., pay a dividend?
Bank Hapoalim B.M., currently shows a dividend yield of about 0.05% relative to its recent price (as of Jun 26, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.